This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 57 complaints

Bilateral Credit Corp, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about Bilateral Credit Corp, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Bilateral Credit Corp, LLC ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 57 all-time complaints and a 88% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
57
CFPB complaints, all-time
88%
answered inside the CFPB window
16
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Bilateral Credit Corp, LLC?

Bilateral Credit Corp, LLC has accumulated 57 total CFPB complaints across 18 states, with 16 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 28.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 88% timely-response rate against a 31% consumer-dispute-after-response rate.

Complaints have been recorded across 18 states, led by New York with 14 and Texas with 9. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places Bilateral Credit Corp, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

57

low-volume (CCDB)

Last 12 months

16

28.1% of all-time complaints

Stable →

States active

18

regional footprint

Timely response rate

88%

acceptable band

Consumer disputes

31%

high (vertical avg ~19%)

Reputation grade

D

56.7/100 composite

How does Bilateral Credit Corp, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Bilateral Credit Corp, LLC versus the debt-collection vertical average.

Timely response within SLA 88.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 30.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 32.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Bilateral Credit Corp, LLC compare to its peers?

How does Bilateral Credit Corp, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Bilateral Credit Corp,… National average
Complaints (last 12 mo)lower is better
16
16
268
Timely-response ratehigher is better
88%
96%
91%
Consumer-dispute ratelower is better
31%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-12 2019-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 19
Took or threatened to take negative or legal action - 11
False statements or representation - 8
Written notification about debt - 5
Cont'd attempts collect debt not owed - 5
Disclosure verification of debt - 5
Communication tactics - 3
Threatened to contact someone or share information improperly - 1

Where do complaints against Bilateral Credit Corp, LLC come from?

Bilateral Credit Corp, LLC's own per-state count, not a national baseline.

Top states by complaints against Bilateral Credit Corp, LLC

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Bilateral Credit Corp, LLC contacts you

A grade of D signals how Bilateral Credit Corp, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Bilateral Credit Corp, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Bilateral Credit Corp, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Bilateral Credit Corp, LLC? ▼

The most common issue consumers report about Bilateral Credit Corp, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 57 complaints filed with the CFPB.

Are complaints against Bilateral Credit Corp, LLC increasing or decreasing? ▼

Complaints against Bilateral Credit Corp, LLC have been stable. The company received 16 complaints in the last 12 months.

What is Bilateral Credit Corp, LLC's reputation grade? ▼

Bilateral Credit Corp, LLC has a reputation grade of D (score: 56.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bilateral Credit Corp, LLC respond to consumer complaints? ▼

Bilateral Credit Corp, LLC has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does Bilateral Credit Corp, LLC operate? ▼

Bilateral Credit Corp, LLC has received CFPB complaints from consumers in 18 states, with the most complaints from New York (14 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.